Pathfinder Bancorp (PBHC) FCF Payout Ratio (2013 - 2026)
Pathfinder Bancorp (PBHC) posted FCF Payout Ratio of 0.28 for Q1 2026, down 241.16% sequentially from 0.2 in Q4 2025, and down 399.99% YoY from 0.09 in Q1 2025.
Pathfinder Bancorp (PBHC) FCF Payout Ratio (2013 - 2026) Analysis & Trends
Pathfinder Bancorp has reported FCF Payout Ratio for 14 years, with the latest figure at 0.28 in Q1 2026.
- Quarterly FCF Payout Ratio fell 399.99% year-over-year to 0.28 in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 0.32 (up 144.49% YoY) and the FY2025 annual result came in at 0.18, down 8.95% from the prior year.
- FCF Payout Ratio eased to 0.28 in Q1 2026 per PBHC's latest filing, from 0.2 in the prior quarter.
- Over five years, FCF Payout Ratio peaked at 1.55 in Q1 2024 and troughed at 0.28 in Q1 2026.
- A 5-year average of 0.16 and a median of 0.07 in 2023 frame the typical range for FCF Payout Ratio.
- The sharpest annual moves came in 2024 and 2026: FCF Payout Ratio surged 2070.12% in 2024, then tumbled 399.99% in 2026.
- Over 5 years, FCF Payout Ratio stood at 0.05 in 2022, then climbed by 14.74% to 0.05 in 2023, then sank by 362.69% to 0.14 in 2024, then soared by 245.29% to 0.2 in 2025, then tumbled by 241.16% to 0.28 in 2026.
- According to Business Quant data, FCF Payout Ratio over the past three periods registered 0.28, 0.2, and 0.07 for Q1 2026, Q4 2025, and Q3 2025 respectively.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 120.66 Bn | 84.46 Bn | - | - |
| 2 | Pnc Financial Services | 97.86 Bn | 97.86 Bn | - | 0.32 |
| 3 | Us Bancorp | 96.39 Bn | 96.39 Bn | - | 0.17 |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 74.92 Bn | -144.17 Bn | - | - |
| 6 | Deutsche Bank Aktiengesellschaft | 72.22 Bn | -81.10 Bn | - | - |
| 7 | Nu Holdings | 70.34 Bn | 56.66 Bn | 2.35 Bn | - |
| 8 | Truist Financial | 61.75 Bn | 61.75 Bn | - | 0.67 |
| 9 | Fifth Third Bancorp | 49.88 Bn | 26.16 Bn | - | - |
| 10 | Pathfinder Bancorp | 80.15 Mn | 79.32 Mn | - | 0.22 |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 0.22 |
| Mar 31, 2026 | -0.28 |
| Dec 31, 2025 | 0.20 |
| Sep 30, 2025 | 0.07 |
| Jun 30, 2025 | -0.12 |
| Mar 31, 2025 | 0.09 |
| Dec 31, 2024 | -0.14 |
| Sep 30, 2024 | 0.04 |
| Jun 30, 2024 | 0.74 |
| Mar 31, 2024 | 1.55 |
| Dec 31, 2023 | 0.05 |
| Sep 30, 2023 | 0.10 |
| Jun 30, 2023 | -0.09 |
| Mar 31, 2023 | 0.07 |
| Dec 31, 2022 | 0.05 |
| Sep 30, 2022 | 0.09 |
| Jun 30, 2022 | 0.17 |
| Mar 31, 2022 | 0.12 |
| Dec 31, 2021 | 0.07 |
| Sep 30, 2021 | 0.04 |